Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: MI × Clear all

Most Strengths

All tiers in MI

Rank	Credit Union
1	MONROE COMMUNITY Community Monroe, MI
2	EMBERS Community Marquette, MI
3	CREDIT UNION ONE Mid-Market Ferndale, MI
4	COMMUNITY CHOICE Mid-Market Farmington Hill, MI
5	LAKE MICHIGAN Titans Grand Rapids, MI
6	PFCU Community Portland, MI
7	FOREST AREA Community Fife Lake, MI
8	DFCU FINANCIAL Large Dearborn, MI
9	FINANCIAL PLUS Mid-Market Flint, MI
10	UNITED FINANCIAL Community Saginaw, MI
11	KELLOGG COMMUNITY Community BATTLE CREEK, MI
12	MICHIGAN SCHOOLS AND GOVERNMENT Mid-Market Clinton Townshi, MI
13	ST. FRANCIS X Community Petoskey, MI
14	TLC COMMUNITY Community Adrian, MI
15	FILER Community Manistee, MI
16	ADVENTURE Community Grand Rapids, MI
17	CHIEF FINANCIAL Community Rochester Hills, MI
18	TRAVERSE CATHOLIC TRAVERSE CITY, MI
19	CONSUMERS Mid-Market Oshtemo, MI
20	ADVIA Mid-Market Kalamazoo, MI
21	ADVANTAGE ONE Community Brownstown, MI
22	PEOPLE DRIVEN Community Southfield, MI
23	GENISYS Large AUBURN HILLS, MI
24	WILDFIRE Mid-Market Saginaw, MI
25	CORNERSTONE COMMUNITY FINANCIAL Community Auburn Hills, MI

Most Concerns

All tiers in MI

Rank	Credit Union
1	INTERNATIONAL UAW DETROIT, MI
2	LINCOLN PARK COMMUNITY Lincoln Park, MI
3	WESTACRES WEST BLOOMFIELD, MI
4	COMMUNITY FINANCIAL Mid-Market PLYMOUTH, MI
5	WARREN MUNICIPAL Warren, MI
6	BLUE WATER PORT HURON, MI
7	NORTHWEST CONSUMERS TRAVERSE CITY, MI
8	A.B.D. WARREN, MI
9	UNITED CHURCHES Taylor, MI
10	FLAGSHIP COMMUNITY Port Huron, MI
11	MUSKEGON ST JOSEPH MUSKEGON, MI
12	GREAT LAKES Bay City, MI
13	TANDEM Warren, MI
14	MICHIGAN COLUMBUS Livonia, MI
15	FRANKFORT COMMUNITY FRANKFORT, MI
16	GR CONSUMERS Wyoming, MI
17	WEXFORD COMMUNITY Cadillac, MI
18	MICHIGAN COASTAL Muskegon, MI
19	ELGA Mid-Market Grand Blanc, MI
20	FAMILY FINANCIAL Community Norton Shores, MI
21	DOWNRIVER COMMUNITY Community Ecorse, MI
22	MONTCALM PUBLIC EMPLOYEES EDMORE, MI
23	GOGEBIC COUNTY BESSEMER, MI
24	4FRONT Mid-Market Traverse City, MI
25	GRACO Alma, MI

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)